Bank Of America Risk Free CDs and free trades

Recently (its been a few months) Bank Of America has announced risk free CDs. These CDs give a new dimension to investing CDs. Here are the highlights - Withdrawal is free after 6 business days of opening the CD. - Minimum balance required is $5000. - Non US citizens cannot get the online 0.1% APY additional rate and must go to the bank in person. If you are lucky you might get one done on the phone - Withdrawal can be done at anytime but must be made in person. - Time limit is 9 months. With $25000 across all acounts, BOA lets you open a trading account with $0 per trade for the first 30 trades a month. I've heard that the trading account doesnt give one all the fancy tools to analyze stocks.. More to be found